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Certificate of Deposit Special Rates

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Looking for a secure way to save? Our Certificate of Deposit accounts offer competitive interest rates and the stability of your local community bank. Visit a branch near you to open a CD.
Grow Your Savings

5 Month CD Special

 3.84% *APY
$500 minimum deposit
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*Annual Percentage Yield. Accurate as of 09/25/2025
Requires $500 minimum opening deposit. No additional deposits accepted after opening. Minimum balance of $500 required to obtain APY. Automatic renewal at maturity. Early withdrawal penalties may apply, this may reduce earnings. For terms less than 12 months interest will be compounded at maturity and interest will credit at maturity. For terms 12 months and greater, interest will compound annually, and interest will be credited to the account annually and at maturity. Institutional funds are not eligible. 

**Deposits are insured by the FDIC up to at least $250,000 per depositor, for each account ownership category. See a banker.
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10 Month CD Special

   3.61% *APY
$500 minimum deposit
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*Annual Percentage Yield. Accurate as of 09/25/2025
Requires $500 minimum opening deposit. No additional deposits accepted after opening. Minimum balance of $500 required to obtain APY. Automatic renewal at maturity. Early withdrawal penalties may apply, this may reduce earnings. For terms less than 12 months interest will be compounded at maturity and interest will credit at maturity. For terms 12 months and greater, interest will compound annually, and interest will be credited to the account annually and at maturity. Institutional funds are not eligible. 

**Deposits are insured by the FDIC up to at least $250,000 per depositor, for each account ownership category. See a banker.
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Looking Over Rates
Looking Over Rates

Why Open A CD with Opportunity Bank?

  • Guaranteed, fixed interest for full term
  • Higher yields than a standard savings account
  • FDIC insured up to $250,000**
  • Low $500 minimum deposit
  • Local service at locations across Montana
CD Specials FAQs
A CD is a safe and reliable savings option. You deposit a set amount of money for a fixed period of time, and in return, you earn a guaranteed rate of interest until it matures.
APY means Annual Percentage Yield. It’s the total amount of interest you’ll earn in a year, including compounding.
Not with the same CD. You are welcome to open another CD at any time to keep building your savings.
Once you open your CD, your rate is locked in for the full term. Interest rates and APY are subject to change for new accounts after opening. Contact your local branch for current rates.
When your CD reaches the end of its term, you will have a 10-day grace period to decide what’s next. You can withdraw your funds, open a new CD, or let it automatically renew.
A substantial penalty is assessed on funds withdrawn prior to maturity on certificate of deposit accounts. Fees may reduce earnings. 

Disclosures

*Annual Percentage Yield. Accurate as of 09/25/2025
Requires $500 minimum opening deposit. No additional deposits accepted after opening. Minimum balance of $500 required to obtain APY. Automatic renewal at maturity. Early withdrawal penalties may apply, this may reduce earnings. For terms less than 12 months interest will be compounded at maturity and interest will credit at maturity. For terms 12 months and greater, interest will compound annually, and interest will be credited to the account annually and at maturity. Institutional funds are not eligible. 

**Deposits are insured by the FDIC up to at least $250,000 per depositor, for each account ownership category. See a banker.